Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,888

Trupanion pets lead longer happier lives.1 Pets insured with Trupanion lived longer than pets without Trupanion because pet parents didn’t have to worry about the cost of the care their pet needed. Depending on the plan Trupanion covers up to 90% of eligible expenses, has unlimited payouts-always, and can pay your vet bill, within seconds, at time of checkout, so all you pay is your portion (anything not covered by Trupanion). They have transformed the way pet insurance handles claims by eliminating the reimbursement process. Trupanion was founded in Canada and provides bets-in-class coverage and is dedicated to helping pets we love get the care they need. They’ve been around for more than 20 years, making them experts and setting standards for the industry. One perk of this, and what they pride themselves on, is the amount they pay out to pet owners for each claim. Paying out more on the dollar than any other pet insurance provider. To date they have paid out $2 Billion in claims and have insured nearly 1 million pets. To put it simply, there is a reason why 98.7% of Trupanion members stay enrolled every month. 1Based on a December, 2020 Trupanion study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy. *Terms and conditions apply. Please view your sample policy for complete coverage details. Underwritten in Canada by Omega General Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Administered in Canada by Canada Pet Health Insurance Services, Inc. dba trupanion and in the United States by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). Please visit AmericanPetInsurance.com to review all available pet health insurance products.
5

out of 5

POSTED: | BY: Julianna Grecoe

A trip down the stairs

My four month old puppy in his exuberance fell down the stairs and fractured his femur. Never expected something like this would ever happen and felt terrible.
5

out of 5

POSTED: | BY: Kate Gregory

Trupanion has covered every claim for our dogs

Thanks to Trupanion, we have been able to provide the necessary care for our dogs, including two major surgeries for IBD, cancer, emergency stays, MRI's for spinal disease, medications, dental work, skin disorders, infections, and the rider for additional care has extended our dog's life. She does physical therapy and acupuncture twice a week. Trupanion covers her care. Without it, she would no longer be with us. We have had every single claim ever submitted covered by Trupanion. We will always be Trupanion supporters and will continue to use and recommend them to anyone wanting insurance for their pet(s).
1

out of 5

POSTED: | BY: Traci Laursen

Very dissatisfied with coverage

I am a veterinary technician as well as the owner of a dog training facility in New Mexico. I have recommended Trupanion to clients on countless occasions. I have 2 dogs of my own who have had insurance through Trupanion since I have owned them. One has had coverage since she was about 10 weeks old and she is now 5 years old. The other dog was rescued from a shelter 10 months ago and she is now about 18 months old now. Thankfully, I have never had a claim. On my recommendation, my mother (who is elderly) recently obtained coverage for her dog as well. Unfortunately my mom's dog was slipped while running an agility course and began limping. The dog had been insured for about 3 weeks at the time of the injury. Trupanion has refused to cover the injury, calling it an illness instead. They stated that the dog must have been unhealthy and thus was predisposed to a lameness because a healthy dog would not have come up lame. I feel like they used an unlikely loophole to avoid paying on his injury. I have never heard of a lameness from an acute injury being regarded as an illness, and I don believe a "healthy" dog couldn't develop a lameness after a fall.
5

out of 5

POSTED: | BY: Sandrea Kornblum

What a Relief!

I have had Trupanion for a few years on a rescue dog that I adopted. Not long ago, my dog bloated and torsioned (GDV). When the vet asked me if he could do x-rays and then surgery, I told him my dog had insurance and do whatever he needed to do. It was a huge relief to be able to put money issues aside and get my dog the emergency care he needed. This was my first claim for my dog, so it took awhile to get the vet paperwork in, and then the vet had to amend a note, but once this was done, payment was almost immediate.
1

out of 5

POSTED: | BY: Terri

Unfair

My cat had expensive tooth surgery done and I did my research. Was told by Sarah prior to surgery "Yes would be covered" Waited 10 days for any answers and was told by Adrianna supervisor that she would reach out to Brianne adjuster to see if she would pay as goodwill? I was shocked as I had not been notified that they were not going to pay. Apparently Brianne spent five minutes making decision! Madison Serwold Senior Partner could not explain anything about coverage and kept trying to look up information. I asked her why she was not familiar with policies she set and she would not answer! Instead of informing me about denial of claim they informed my vet. Terrible way to do business and I find this too be a waste of money. No more insurance as this was my first try and the worst experience. Rather save money for this type of problem. And no they do not direct bill as my vet tried and was told no everything must be emailed??
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Monthly Cost

Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and postal code.

Coverage

One simple plan covers new injuries and illnesses, hereditary, congenital, and chronic conditions—once the deductible is met, Trupanion pays 90% of the remaining invoice. To view a full list of inclusions and exclusions, check out our sample policy here.

Payout Limits

Unlimited lifetime payouts on eligible conditions with no payout limits-ever.

Deductible

You can choose your deductible from $0 – $1000, in $5 increments, to fit your budget. Trupanion offers a lifetime, per condition deductible meaning that once the deductible is met for an eligible condition, you never have to meet it again. That condition is covered for life. This is great for chronic conditions that can span the entirety of a pet’s life such as allergies or cancer.

Age Limits

All pets under 14 years old can enroll. Once enrolled, pets stay insured regardless of age.

Waiting Period

Accidents: 5 days Illnesses: 30 days Other providers may have additional waiting periods for congenital conditions like hip dysplasia, Trupanion does not.

Exclusions

Trupanion was developed to protect you and your pet from unexpected illnesses and injuries. That means we don’t cover “predictable” care costs that you can plan ahead for, like: Examination fees Wellness and preventive care Elective, or cosmetic procedures Sales tax, where applicable Like all pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early! *Terms and conditions apply. Please view your sample policy for complete coverage details.  
Trupanion Canada Pet Insurance detail
Trupanion was founded in 2000 with the goal to help pet owners plan for the unexpected and take the cost out of the care equation. They believe that the pets—and the veterinary professionals who help them—deserve better. That’s why Trupanion is a proud member of the North American Pet Health Insurance Association. Our members know we’re ahead of the pack, because there’s pet insurance—then there’s Trupanion: 24/7/365 Member Support—yes, even on holidays 20+ years of experience $2 Billion paid in claims Over 800,000 pets protected Unlimited Payouts The only provider that can pay your veterinarian directly at checkout* Accepted everywhere in the USA, Canada, Puerto Rico, and Australia * At participating hospitals Trupanion is a registered trademark owned by Trupanion, Inc. Underwritten in the United States by American Pet Insurance Company and in Canada by Omega General Insurance Company  
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